The Frugal Fiduciary Small Business 401(k) Blog
Get the latest industry news, deadlines and tips you need to know to help tackle your fiduciary responsibility needs.
![Lowering 401(k) Fees – Options for Sponsors and Participants](https://www.employeefiduciary.com/hubfs/How%20to%20Lower%20Your%20401k%20Fees.jpg)
Lowering 401(k) Fees – Options for Sponsors and Participants
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 10th 2020
Lowering 401(k) fees will increase the investment returns of plan participants dollar-for-dollar. Our guide can help plan sponsors and participants do that.
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![How to Find & Calculate John Hancock 401(k) Fees](https://www.employeefiduciary.com/hubfs/John%20Hancock%20401k%20Fees.jpg)
How to Find & Calculate John Hancock 401(k) Fees
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 6th 2020
Finding John Hancock 401k fees isn't easy. In this guide, we'll show you average John Hancock fees, then how to find & calculate them in your plan.
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![How to “Value” 401(k) Administration Services and Investments](https://www.employeefiduciary.com/hubfs/GetValue%20small.jpeg)
How to “Value” 401(k) Administration Services and Investments
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 13th 2020
To value your 401k provider, I recommend benchmarking their administration fees per capita and their investment fees based on returns. Our process can help.
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![A “Rosetta Stone” for Finding 401(k) Provider Fees](https://www.employeefiduciary.com/hubfs/shutterstock_401799232-1.jpg)
A “Rosetta Stone” for Finding 401(k) Provider Fees
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 29th 2020
When 401(k) fees are paid from plan assets, they reduce participant investment returns dollar-for-dollar. Find your 401(k) provider's fees using our guide.
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![Don’t Let Your 401(k) Provider Hide the Cost of Your Plan](https://www.employeefiduciary.com/hubfs/Dont-let-your-401k-provider-hide-the-cost-of-your-plan.jpg)
Don’t Let Your 401(k) Provider Hide the Cost of Your Plan
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
February 5th 2020
401(k) providers can charge different fees for comparable services and investments. To avoid excessive fees, employers must know the cost of their plan.
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![401(k) Fees - Rules for Allocating Among Plan Participants](https://www.employeefiduciary.com/hubfs/401%28k%29%20Fees%20-%20Rules%20for%20Allocating%20Among%20Plan%20Participants.jpg)
401(k) Fees - Rules for Allocating Among Plan Participants
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
October 2nd 2019
Employers have a fiduciary responsibility to allocate 401(k) fees among plan participants equitably. This job can be easy with some basic education.
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![Steps for Reducing the Out-of-Pocket Cost of Retirement](https://www.employeefiduciary.com/hubfs/shutterstock_1138930493.jpg)
Steps for Reducing the Out-of-Pocket Cost of Retirement
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
September 4th 2019
A simple plan can dramatically reduce the cost of retirement for 401(k) participants. Investing knowledge is not required to follow the plan.
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![It's Too Easy to Conceal 401k Fees – We Need 408b-2 Reform](https://www.employeefiduciary.com/hubfs/It%27s%20Too%20Easy%20to%20Conceal%20401k%20Fees%20%E2%80%93%20We%20Need%20408b-2%20Reform.jpg)
It's Too Easy to Conceal 401k Fees – We Need 408b-2 Reform
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 17th 2019
Fidelity is being accused of charging excessive, undisclosed 401(k) fees. Other providers obfuscate fees in 408b-2 disclosures. It's time for reform.
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![Applying Jack Bogle’s Guiding Principle to 401(k) Provider Fees](https://www.employeefiduciary.com/hubfs/Bogle%20pic.jpg)
Applying Jack Bogle’s Guiding Principle to 401(k) Provider Fees
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
February 6th 2019
Jack Bogle's guiding principle was simple - costs matter. 401(k) participants should apply the same principle to 401(k) provider fees paid by their account.
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![Calculating American Funds 401(k) Fees Using Their 408b-2](https://www.employeefiduciary.com/hubfs/Calculating%20American%20Funds%20401%28k%29%20Fees%20Using%20Their%20408b-2.jpg)
Calculating American Funds 401(k) Fees Using Their 408b-2
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
October 31st 2018
American Funds is one of the largest 401k providers in the nation. Their 408b-2 fee disclosure is also one of the worst. Here are steps for deciphering it.
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